Refund Policy

As Merchant of Record, Utopia processes refunds on behalf of the businesses selling through our platform, in line with this policy and applicable law.

1. Eligibility

Refund eligibility depends on the seller's own refund terms and the nature of the product. Digital products and consumed usage may be non-refundable unless required by law.

2. Requesting a refund

To request a refund, contact support@utopia-payments.com with your order details. We review requests promptly and coordinate with the seller where needed.

3. Processing time

Approved refunds are issued to your original payment method. Depending on your bank or provider, it may take 5–10 business days to appear.

4. Subscriptions

You can cancel a subscription at any time to stop future charges. Partial periods may not be refunded unless required by law or the seller's terms.

5. Chargebacks

If you don't recognize a charge, contact us before initiating a chargeback — we can usually resolve issues faster and avoid disruption to your account.

6. Contact

Need help? Email support@utopia-payments.com.

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Note: This is a template and not legal advice. Review and adapt it to your business and jurisdiction before going live.